How to get a new car loan

"In the matter of buying a car, Ali Motors has already achieved' seconds' for consumers." On April 24th, at the launch conference of 20 16 "Auto Finance Consumption Upgrade under Big Data" and Ali Auto's "Car Second Loan" 2.0 product, Wang Licheng, general manager of Ali Auto Division, said, "Pick up your mobile phone, and you can complete the maximum loan amount of 200,000 in 20 seconds at the earliest. If your brand 4S shop happens to have a car, you can drive it directly after the formalities are completed. This is the most enjoyable car financing car purchase in China at present.

"Car second loan" is an innovative product in the field of auto finance loan from 2065438 to August 2005 by Ali Automobile United OEM and financial institutions. Ali is a platform connecting automobile financial institutions and many automobile brands. Based on Alipay's real-name authentication of member users' services, and according to users' data records in Ali, innovative products tailored for each customer are unique. If consumers have good credit conditions, they can get 12, 24 and 36 "0 grade, 0 real estate and 0 interest" of 200,000-200,000 auto loans.

Since the car second loan 1.0 was officially launched in August, 20 15, the non-performing loan ratio and overdue repayment rate are both 0.

"Ali car scene Ali big data risk control model auto finance platform" is the most firm cornerstone of the car second loan risk control system.

Ali Auto and Ant Financial's online merchant bank launched car second loan to provide consumers with installment financial services. After the second loan was upgraded to 2.0, through the big data risk control model of the online merchant bank, the credit users of the second loan expanded from the previous 50 million to 654.38+0 billion.

2065438+Since July 2005, the online merchant bank has joined with seven auto financing companies, including Shenlong Finance, Haima Finance and Chuangfu Leasing, and more than 60,000 consumers across the country have applied for a second auto loan. In car second loan, online merchant banks export big data risk control models to auto financing companies to help auto financing companies identify risks and screen users. At present, the online merchant bank is negotiating with many financial companies such as GAC Huili, Postal Savings Bank, General Finance, Nissan Finance, FAW Finance and Chery Yin Hui to further expand its business scale.

It is reported that GAC Huili and Postal Savings Bank are expected to officially launch car second loan products in May this year. Among them, the maximum loan amount of GAC Huili may exceed 500,000 yuan. By then, the price of the models enjoying the second loan products will also be comprehensively increased.

Song Hao, Marketing Manager of Shenlong Automobile Finance Co., Ltd. said: "Compared with the ID card and telephone number provided by the automobile portal, online merchant banks can rely on the customer consumption data accumulated by Taobao, Tmall and Alipay to support the loan review of financial companies from more dimensions. For the first time, financial companies can judge the credit status of customers from multiple dimensions, rather than simply judging the current situation of customers (payroll, housing), which is more and more sufficient today when car buyers are younger.

"0 waiting, 0 materials" and "car second loan" completed the credit extension in 20 seconds.

Consumers can get the money for buying a car directly with credit without mortgage, which is a breakthrough in offline car mortgage. Different from other online auto finance products, users of car second loan don't need any materials online. They only need to log in to the Tmall mobile client, choose the vehicle type and loan scheme, and wait for a very short time to get the confirmed loan amount.

It is reported that the fastest credit approval of car second loan takes only 20 seconds, and the maximum credit line can reach 80% of the car guide price.

It is understood that after the credit is approved, consumers will receive a credit line confirmation message sent by the background system. As long as the SMS replies to the credit line, they can go to the 4S shop to negotiate the car price. If the offline price is negotiated, the consumer will only provide background SMS and ID card for identification, and sign an installment payment contract with the cooperative organization on the same day. The receiving salesman of the automobile dealer uploads the invoice, insurance policy and installment contract to Ali Automobile System, and the loan can be released in real time after the data of the cooperative organization is approved. If the 4S shop has a car, consumers can pay the difference between the car price and financing. As long as they pass by the 4S shop, they can pick up the car on the same day.

According to industry insiders, there is a bargaining gap of 10%- 15% between the online official car delivery guide price and the offline car delivery price. Under the condition that the online credit line of the second car loan remains unchanged, the maximum credit line when picking up the car online will definitely exceed 80%.

Ali became the preferred platform for new cars, and the transaction volume surged after the second loan access.

"Let users taste new things for the first time, which is the highlight of Ali Auto this year. On March 23rd, Ali Automotive Division and Maserati announced the start of strategic cooperation. Maserati's first SUV Levante350 was officially launched in Tmall 100 units, and sold out in 18 seconds. " Wang Licheng, general manager of Ali Automotive Division, said.

It is reported that three new cars, Chevrolet Mai Rui Bao XL, Buick LaCrosse and Chery Arrizo 5, are all launched on the Ali car platform, and at the same time, they are connected to the "second car loan". The official flagship store of Chery Automobile is the top three stores of Ali Automobile 20 15, and the maximum loan amount for cooperation with Chuangfu Financial Platform is 80%.

In March of this year, Chery's new car Arrizo 5 was launched 100, which was snapped up by Ali car users within one day. It is understood that the price of Arrizo 5 is 58.9-97.9 million yuan, and the new car will support as many as 24 "0 interest rate" secondary loan products when it goes on the market. Take the 979 million Arrizo 5 exclusive edition as an example. In 24 installments, the unsecured loan amount is 78,320 yuan, and the monthly repayment is 3,263.30 yuan. Because of the 2-year interest subsidized by the manufacturer, the interest paid by the consumer during the loan period is 0 yuan.

"The transparency of the loan data of' Car Second Loan' is like the e-commerce version of' If You Are the One', which allows buyers and sellers to provide more information in advance, and their' blind date' process can be matched faster and better." Li Rong, director of the retail business department of Shenlong Auto Finance Co., Ltd. said, "From June last year 1 1 to less than half a year now, it has been found that there are obvious differences between online and offline customers. After many online customers came over, I also asked the loan approver if the application was submitted offline, would it be approved? He said that according to past experience, he would not approve it. Because many of them are from other places, young and have no house. "

Li Rong said that there used to be a Hubei native who worked in Suzhou. My wife takes care of children in Guangzhou and works in Shanghai. He said that this completely unstable model will definitely be rejected offline. But the second car loan gave him a high evaluation. His online transactions, consumption and repayment are relatively stable. Many of this customer's lives are completed through Alipay. Later, we gave credit to this customer, so the second car loan really brought new customer groups to manufacturers and auto finance.

The online transaction rate of empty second-hand loan users in the vast online passenger car market increased by 15% compared with offline.

The reason why car manufacturers are willing to join the "second car loan" is more about the sales volume brought by the e-commerce platform.

According to the production and sales data released by China Automobile Industry Association on June 65438+1October 12, in 20 15 years, the production and sales of China automobile market were 24,503,300 and 24,597,600 respectively, up by 3.3% and 4.7% respectively over the previous year, and the growth rate was slower than that of the same period last year. According to the forecast of China Automobile Association, the annual automobile sales in China will increase by about 6% in 20 16, reaching 26.04 million vehicles. Among them, the monthly production and sales of passenger cars show V-shaped characteristics. In the first eight months of 20 15, the cumulative growth rate decreased month by month and began to pick up in September. Dong Yang, executive vice president of China Automobile Association, said, "The growth of passenger car sales mainly comes from the fourth quarter, which shows that there is rigid demand in the China automobile market."

At present, there are 33 brand manufacturers accessing "Car Second Loan", including Audi, Dongfeng Nissan, Dongfeng Citroen, Dongfeng Peugeot, Buick, GM Chevrolet, Geely, Chery, Lifan, DS and Haima Automobile. 75 passenger cars in the price range of 10W -30W. Among them, 10W-15W accounted for more than 80%.

At present, Shanghai, Wuhan, Suzhou, Nanjing and Beijing are cities with intensive consumption of second-hand car loans. However, from the trend point of view, through big data prediction, 77% of new car demand in the future will be in the third, fourth and fifth tier cities. From the perspective of consumption age, the dimensions are wide, and the post-70 s, post-80 s and post-90 s are mainstream users. Among them, post-90s college graduates have the highest acceptance.

Million car purchase subsidy